> ## Documentation Index
> Fetch the complete documentation index at: https://docs.noyo.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Volumes

> When to include a volume amount in a snapshot

[The volume amount for each enrolled member in a snapshot](https://docs.noyo.com/api-reference/snapshots/create-member-snapshot#body-coverages-enrolled-members-volume)  should be set according to the type of coverage the member has and the rules that govern the benefit’s payout. 

* **Life**, **AD\&D**, **critical illness**, and **hospital indemnity** benefits pay out in lump sums, so the dollar amount in the snapshot should equal the full volume of the coverage. 
* **Long-term disability** (LTD) pays out monthly, so the dollar amount in the snapshot should be equal to one months’ payout amount. 
* **Short-term disability** (STD) pays out weekly, so the dollar amount in the snapshot should be equal to one weeks’ payout amount.  

You should always send the relevant non-zero amount in dollars as an integer. For coverages that do not require volume, omit this field rather than sending `0` or `null`.

## How are volumes calculated? 

Volume rules vary by carrier. When groups are connected with existing plans, we will pull down volume rules if the carrier makes them available; these rules can be viewed in our app or fetched from the [<u>plans API</u>](https://docs.noyo.com/api-reference/groups/plans/get-group-plan). 

Carrier-specific policies on volume rules will be documented in the Noyo app on each carrier’s page. 

### Age reductions

Send full, unadjusted volumes to Noyo, even when subject to age reduction.

## Changing a volume

When an employee enrolls in a new coverage or elects a different volume amount than they currently have, the new amount should be sent in a member snapshot. The carrier may award the new volume, award a different volume than what was requested according to their rules, or request [<u>evidence of insurability</u>](https://docs.noyo.com/docs/members/complex-changes/eoi#evidence-of-insurability-eoi) documentation from the employee.  

If the awarded amount is different than what was sent in the member snapshot, we will create a discrepancy for your review.